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PSF-Micro Finance Program

Palli Shishu Foundation of Bangladesh has started activities of the MIcro Finance Program from 1st July 1995. The program in question was undertaken by the PSF with a view to associate the great majority of the millions of the landless laborers and marginal farmers particularly disadvantage women under an institutional framework of poverty alleviation through pursing various income Generation Activities (IGA).

The PSF initially started its activities under the Micro Finance Program in one particular branch only. The number of such brnahes however increased gradually and now stands at 21 at the end of 31st December 2022. Address and starting year of 21 branches are given below:

Name of Branch

Name of Union

Name of

Upazila

Name of

District

Own building/

Rent office

Branch Starting

year

Sl

Magura District

1

Magura Sadar

Magura Municipality

MaguraSadar

Magura

Rent

1997

2

Sreepur

Sreepur

Sreepur

Magura

Rent

1998

3

Bunagati

Bunagati

Salikha

Magura

Rent

2016

4

Alomkhali

Hazrapur

Magura

Magura

Rent

2016

5

Nakol

Kadirpara

Sreepur

Magura

Rent

2016

Munshigonj District

6

Nagerhat

Kanoksar

Louhajonj

Munshigonj

Rent

1995

7

Kazirpagla

Madenimondal

Louhajonj

Munshigonj

Rent

1995

8

Balasur

Vaggokul

Sreenagar

Munsigonj

Rent

2016

9

Sirajdikhan

BaroPauldiya

Sirajdikhan

Munsigonj

Rent

2016

Madaripur District

10

Rajarchar

Rajarchar

Shibchar

Madaripur

Rent

1996

Naogaon District

11

Naohata

Vimpur

Mahadevpur

Naogaon

Rent

1998

12

Dubalhati

Dubalhati

NaogaonSadar

Naogaon

Rent

1998

13

Battalihat

Balihar

NaogaonSadar

Naogaon

Rent

2008

14

Satihat

Ganespur

Manda

Naogaon

Rent

2008

15

Chowbaria

Barsho

Manda

Naogaon

Rent

2013

16

Delowabari

Kusumba

Manda

Naogaon

Rent

2013

Rangpur District

17

Sukurarhat

Moyeanpur

Mithapukur

Rangpur

Own building

1995

18

Chatra Pirgonj

Chatra

Pirgonj

Rangpur

Own building

2022

19

Shotibari

 

Mithapukur

Rangpur

Rent

2022

20

Darshona

 

Tajhat

Rangpur

Rent

2022

21

Pirgacha

 

Pirgacha

 

Own building

2022

Covering a total number of 20,891 members out of whom 20,034 are women and 857 are men. Out of total 1,082 groups 1,037 are female groups and the rest 45 are male groups. The total savings of the members under the various groups stood at Tk. 15, 59, 78,097 at the close of 31st December, 2022.

An elaborate picture of the Groups, Members, and Balance outstanding Loan & Savings in the field as of 31-12-2022 is as follows:

 Groups

Members

Borrower Members

Balance of Members Savings TK.

Balance of Loan Outstanding

1

2

3

4

5

1068

20,677

13,252

15,59,78,097

46,58,80,858

An elaborate picture of the Cumulative disbursement & recovery of Micro Finance Program from 1st July 1995 to 31st December 2022 as follows:

Particular

Male Tk.

Female Tk.

Total .Tk.

1

2

3

4 (2+3)

Cumulative loan disbursement

99,09,02,834

4,63,08,04,166

5,62,17,07,000

Cumulative loan recovery

93,08,65,000

4,22,49,61,140

5,15,58,26,140

Loan outstanding

6,00,37,834

40,58,43,026

46,58,80,860

An elaborate picture of the Cumulative recoverable, recovery & recovery rate of Micro Finance Program 31st December 2022 as follows:

Particular

Tk.

1

2

Cumulative loan recoverable Tk.

5,16,50,46,036

Cumulative loan recovery Tk.

5,15,58,26,140

Cumulative loan recovery rate (%)

99.82%

Meanwhile, Palli Shishu Foundation of Bangladesh has been enlisted as a partner organization of PKSF. There appears to be unlimited scope for expansion of micro-finance operation as a measure of poverty alleviation in the areas covered under various branches of Palli Shishu Foundation of Bangladesh mentioned above.

We have received component -wise fund from PKSF & PUBALI Bank Ltd. (Pirerbag Branch) to run the Micro Finance Program through 21 (Seventeen) branches. The break-up of fund is shown below till 31st December 2022.

Name of Component

Fund Received Principal Amount till 31.12.2022

Fund Refunded till 31.12.2022

Outstanding Principal Amount 31.12.2022      

Remarks

Principal Amount

Service Charges

1

2

3

4

5 = (2-3)

6

RMC

7,35,00,000

7,35,00,000

67,21,140

-

 

ME (GOB)

3,80,00,000

,3,80,00,000

34,72,394

-

 

SL

4,75,00,000

4,75,00,000

12,01,667

-

 

JAGORON

20,00,00,000

12,73,00,000

1,41,37,125

7,27,00,000

 

AGROSOR

11,20,00,000

7,20,00,000

80,22,500

4,00,00,000

 

SUFOLON

11,00,00,000

9,50,00,000

28,27,084

1,50,00,000

 

IGA

4,50,00,000

3,06,00,000

31,95,625

1,44,00,000

 

LIL

16,00,000

13,50,000

45,125

2,50,000

 

ACL

24,00,000

19,50,000

86,625

4,50,000

 

LRP

5,00,000

5,00,000

3,750

-

 

EFRRAP

15,00,000

15,00,000

11,250

-

 

IDL

3,76,255

3,76,255

4,239

-

 

BUNIAD

1,00,00,000

63,33,333

94,584

36,66,667

 

LRL

1,50,00,000

65,00,000

10,50,000

85,00,000

 

LRL-2nd

2,00,00,000

20,00,000

48,750

1,80,00,000

 

Total

67,73,76,255

50,44,09,588

4,09,21,858

17,29,66,667

 

Name of Component

Fund Received Principal Amount till 31.12.2022

Fund Refunded till 31.12.2022

Outstanding Principal Amount 31.12.2022      

Remarks

Principal Amount

Service Charge

1

2

3

4

5 = (2-3)

6

PKSF Fund

67,73,76,255

50,44,09,588

4,09,21,858

17,29,66,667

 

PBL FUND

12,87,00,000

6,90,00,000

35,75,567

5,97,00,000

 

Last Three Years Our Achievment:

  1. From June 2021 PSF has started Maternal & Child Health Program (MCH) on the model of Surjer Hashi in its 5 clinics at Shukurerhat, Mithapukur, Chatra Pirgonj, Pirgacha Clinic at Rangpur district, Sujanagar at Pabna District & Kazipur Clinic at Sirajgonj District. Already mentioned the five clinics have been with necessary medical equipment & medicine supplies for conducting clinical activities.
  2. Restart the Online training RMP’s Doctor as on Nutrition. 
  3. On 1st February-2022 we laid the foundation stone of 8 storied building at Mouchak, Gazipur.
  4. In the last Three (3) Years Our loan outstanding enhanced at 22,98,59,691/- Tk & Our Present total loan Outstanding 46,58,80,854/- Tk
  5. In the last three (3) years our present net Income 1,20,73,192/- Tk & Cumulative net Income 11,28,50,874/- Tk
  6. The last years we have received the new fund (6.0 crore Tk) from the Pubali Bank at Pirerbag Branch, Mirpur, Dhaka.

Future Programs:

The Program performance experience of PSF has been summed up in this report before. With its set up, limitation and strength we plan to keep our activities in 2021-2022 in the following area:

  • In order to increase the utilization of Mother and Child Health services by the poorest segment of the community. PSF will continue to keep a provision of safety net for them i.e. waive service charge of the poorest.
  • We shall observe different national and international events in this year.
  • We shall continue to promote health education in all our rural centers about environmental. Sanitation, personal hygiene, nutrition and family planning through imparting training to volunteers, interested person.
  • Expansion of 15 (Fifteen) new branches of micro finance program.
  • Training will be continued to increase the skill of staff of micro finance program.
  • We will try to make all the branches of PSF as model branch of micro finance program.
  • We will continue logistics and medicine support to our general clinics we shall continue our campaign to make people aware about the danger of AIDS, the method of its containment and its surveillance.
  • We shall continue to urge Local Management Committee to promote income generation project through local initiative.
  • Continue our training program of Rural Medical Practitioners and Voluntary Health Workers of our clinics.

We will start social Forestation Program in selective Branches. 

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